Here we go AGAIN! This time...it will be a different kind of journey! I am trusting God allllll the way through! If you want to pay off debt with me and you are interested in my Debt Free Journey Workbook...Here's the link ▶ stan.store/Budgettreasures/p/get-my-debt-free-journey-workbook-now

@casharaskinner2487

10 ай бұрын

❤Thank you for sharing this, can you do one when you start your student loan payoff. I WILL BE COLLECTION FREE BY DECEMBER then all I have will be student loan

@celesteclark8669

10 ай бұрын

I like my discover card app to pay my bill. However, there is a feature on your credit card app that will let you see the sum total of all your debt and your credit card utilization. You don’t need to add it up yourself.

@jamieb.8354

9 ай бұрын

As someone who worked through a bunch of debt and credit issues twice, you can do it! The second time does feel easier because you have learned lessons. This time, it is sticking. You've got this!

@kenyam6576

9 ай бұрын

Have u watched any of VANNtastic velocity banking videos? That lady is ahhhmazing!

@woodlinesucces6654

6 ай бұрын

Do we get a physical copy when we order?

One thing I did when I was in a similar situation after paying bills and putting money in savings, I'd buy a $5 to $20 gift card for my local grocery store and Amazon each pay period and set them aside. When I needed/wanted something and funds were low, I'd use the gift cards instead of the credit cards. It let me pay down the debt and build up my savings.

@beautiful10381

8 ай бұрын

smart!

@user-po2ql5tb6w

8 ай бұрын

I used to get a hundred dollar gift card from vanilla visa but I have cut it down to 25 usd

@Sabrina-zo3cs

7 ай бұрын

😊

@user-po2ql5tb6w

7 ай бұрын

I do that normally at 711 with a $100 piece. A gift card and that has to do me all months

@Learning2luvME

6 ай бұрын

@@user-po2ql5tb6w that is my store and I was sweating how I was going to pull back on my 75$ weekly amount with them. Awesome idea. 🥰

Queen I be so happy when people be transparent.. I can't stand when people be showing us all the cash stuffing . They stuffing thousands and thousands of dollars... never act like life be life..thank you.

@BlessNurse

10 ай бұрын

Yesss that's why I like watching jazmine. She keeps it real,god will forever keep blessing her.

@Nikkipeach10

10 ай бұрын

I admit I love that she keeps it real including the emotions she's feeling with it. I get it.

@caprispillingtheteaLST

10 ай бұрын

Yassss I swear I delete all those other cash stuffers cause what job do you work to have all that money?? I know I kept it real n spill the tea 😂❤

@lionessrising

10 ай бұрын

@@caprispillingtheteaLSTok do I feel better to know I’m not the only one. Where do you get so much money to be stuffing almost $2k every week. Some times I’m wondering if they just saved up a months worth then keeps recycling it and make videos. I’m so cynical. 😂

@poet82n

10 ай бұрын

@@lionessrising I was thinking the same thing. They stuff the same $2k every week... lol.

This is why we have to teach children about money, finances and debt EARLY! I wish trial and error were not my teachers. You’ve got this.

@AOuiBitWorn

9 ай бұрын

Exactly! No one ever taught me. I taught myself. They learn nothing about money in school but they can list all the presidents by golly. I interview so many kids straight from college and they don’t have life skills.

@EBB505

5 ай бұрын

I'm there now, trial and error have been my teachers. I felt so stuck. Made bad decisions while I was working full time and now I'm a stay at home mum with 2 kids and I can't afford to pay off anything or even save. I wish I could go back to 3 years ago, I currently have no childcare so I can't work and I'm just stuck. I know what to do next time, but I just need a chance to get out.

Sending you all my best wishes , I’m $1000 away from paying off $8,000 in credit card debt since February. It’s a slow journey but it’s worth it all!!

@tamaraliscia3408

9 ай бұрын

You're almost there! Well done!

@beautiful10381

8 ай бұрын

is yours in collections? i have $8k credit card debt too

@sandracruz7900

8 ай бұрын

@@beautiful10381 no , mine wasn’t in collections. It was with a credit card.

Girl, am I in dept! 16 credit cards 😮 over 45 thousand dollars. I just purchased your book without finishing the video. I'm very excited to do this with you. I'm so happy I found you. Let's do this! ❤

@906lane

8 ай бұрын

File for bankruptcy, you can bounce back in 18-24 months and have a good credit score.

@thisistori1

Ай бұрын

how do you have 16 credits cards??

Don't feel bad. Became debt free for about 3 years. Well, I fell back into the cycle. I'm currently paying my debt back off AGAIN. For some reason this second time around hit different. This is it for me. Once I get out for the second time, I'm not going back.

Thank you for your honesty. Too many influencers who are good with money are telling people to use credit cards for the perks. Dave Ramsey gets bad rep for being so anti credit cards, but most people in reality have no discipline and end up in credit card debt. So thank you for your honesty and keeping it real!

@tamaraliscia3408

9 ай бұрын

I went through FPU years ago, a few years after I became a widow. It was so helpful and I paid off a fair amount in a much shorter time than I thought it would take. I cancelled three CC's but kept one. An annoyance to my FPU mentor, for sure! I use it and always know the balance. I keep the cash in my bank account and pay it off every month. I get a whole 1% in points and am not at all interested in getting another card that would "pay" me more. I use my CC as a budgeting tool, not for points. I would also NEVER recommend anyone do what I do! It takes work and a lot of financial discipline which I'm good with. About 3 yrs short of bs7 and can hardly wait!

@Rachellove958

8 ай бұрын

Yes Dave is the best 🎉

@lot2196

6 ай бұрын

100% correct.

@impalamama7302

3 сағат бұрын

He is so right about one thing: when you swipe that plastic, you tend to spend more or buy things you really don't need or impulsive purchases.

@joannaizabelabienias

3 сағат бұрын

@@impalamama7302 your brain doesn't register the pain of losing/exchanging money for the goods. Cash is the best. You have cash=you can afford it/ No cash= you can't afford it. Keeps so many people out of debt.

I’m following Dave Ramseys plan right now and girl that snowball is growing to pay off debt so fast! I literally hate credit cards and cannot use them again I’m done taking out loans and cards and car payment. I can’t trust myself with this so I won’t touch debt once I get free. Yes the feeling of acceptance with debt is real.

@teresaevans4840

10 ай бұрын

I did it! I have only one credit card I use, i only use it in emergencies, and pay it off between 1 to 2 months! I keep the card empty.

@JazyRN1

10 ай бұрын

Yes, I am following Dave Ramsey's plan as well. I do have to say the sacrifices I make for my budget are significant. No getting nails done...hair done.. Anything! It is so hard!

@Chelleychelle710

10 ай бұрын

If I may ask how did you get started with Dave Ramsey

@budgetforsuccess835

10 ай бұрын

@@Chelleychelle710 I went through a sponsorship. If you go to journeytowisdomandwealth her channel has a short video with a link to a church that you can sign up for financial peace university for free. That’s how I got started.

@honeybee3383

10 ай бұрын

Been listening to Ramsey since beginning of August and starting the plan this month. BS2. We got this!

Stay away from credit cards. You don’t need them. Nothing but trouble will follow. Don’t have the cash, you can’t afford it. Period.

@maryisabell8760

2 ай бұрын

Ordering online , renting a car , hotel reservations , a TRUE emergency . YES , U NEED a credit card . Get a LOW amount & use discipline .

I went through a lot of financial crisis after my divorce, I had to raise my two kids alone, Currently I'm living smart and frugal with my money. Bought my second house already. Saving and investing lifestyle made it possible for me; even till now I earn monthly through passive income. I'm planning on retiring when my kids finish college,just hope it encourages someone that it doesn’t matter if you don’t have any of them right now, you can start TODAY regardless your age INVEST and change your future! Investing is a grand choice I made. Great video! Thanks for sharing

@Alexedmartin

5 ай бұрын

Hey Joy,currently, I am in dire need of investment advice or tips. Last year, I hesitated and failed to take any action until the year concluded. However, this year, I am determined to try something new, as I am very receptive to various investment ideas.

@joynesshappy9835

5 ай бұрын

I highly endorse the services of Regina Louise Collaro, a US-based financial advisor and consultant. Partnering with an international organization, she has been instrumental in guiding my financial journey with unwavering support until my goals are met. Selecting the right financial consultant is as crucial as finding the right life partner, as both can significantly impact your life's trajectory. I'm grateful to have found the perfect financial consultant who has helped me achieve my financial objectives, from education to nearing retirement.

@Alexedmartin.

5 ай бұрын

I appreciate your advice. It's hard to find someone that's reliable. When I see how much you've made investing, I could really use your investment advisor. That is, if you don't mind sharing her information

@joynesshappy9835

5 ай бұрын

you can easily find her information by doing a quick search. Feel free to reach out to her directly with any questions you may have

@marktilbury3681

5 ай бұрын

I've wanted to start investing for a while. Yet, I've always considered it to be late, and I believe I should quit putting things off. I'll absolutely contact Regina Louise Collaro to ask her for advice. Much thanks. This was quite helpful to me.

I love how you said “I was living my best life-the wrong way!”😂 I totally can identify with that!

I've seen many people fall back into debt, and it is very similar to when you lose weight too fast and end up getting it back. Knowing you were able to get out of debt before is a double-edged sword in many cases, because you tend to think if you were able to do it before, you can do it again. And that is true for most of the people who were actually able to get out of debt, but its not a healthy relationship with money, in the same way people losing weight sometimes end up with an unhealthy relationship with food.

@nikaluv31

8 ай бұрын

Maybe $90,000

@nikaluv31

8 ай бұрын

Omgosh….. I was way off oops

@jadecom6

2 ай бұрын

This is such a good point. To give my experience, I have never had consumer debt except for a car loan that I paid off and had the car for 15 years. However I was disorganized wasted/loss money. So my savings did not increase the way it should have because I did not pay attention to my spending. But once I heard that Mint was going away, I started using spreadsheets and formulas to track my spending. This has been a game changer. Expense tracking helps me to be intentional with my spending, and to understand my cash flow in semi-real time. I try to use credit cards for my spending as much as possible for a few reasons. The key is that I view the credit card like a debit card, I track every dollar and I pay it off each month. This has changed my whole relationship with money.

Sorry you have $30k debt. You got this. Most important, you have a plan. Keep us posted ✉️✉️💜💜

This came just in time! I did the exact same thing you did! I paid off all my debt and got my credit straight to buy a house. Bought our house in 2021. Never had credit cards and stuff before... started getting approved and I went out of control. Trying to get back in control now...

@205inoucme

9 ай бұрын

I did the EXACT same thing. I got my credit together to purchase a home in 2021. I then started getting pre approved for credit cards, receiving actual loan checks in the mail, my car needed expensive repairs - I purchased an expensive vehicle etc. I am going to have to find a SOLID side hustle. My credit score is still pretty decent, but these monthly payments… Whew Chyle! I came across this video as I am deciding on the best strategy. I wish you ALL the best on your journey!👊🏾

@junejune1031

9 ай бұрын

Wow omg

You can hear the emotional toll it takes on you in your voice as the video goes on. Don’t worry babes, it’s AMAZING that you sat down and made a plan for it. This is the beginning of a great journey, so look at it in a positive light. All the money you’ll be saving in the long run not paying all that interest. You got this! 💚💚

You have no idea how much your videos help me😩. I’m a 28 year old single mom trying to figure all of this out and get it together. Thank you for your transparency❤

@BudgetTreasures

10 ай бұрын

You got this Bestie!! I was not thinking about fixing my finances at 28 so hats off to you!!! I was only worried about "looking rich"...smh

@nikkifabila7845

9 ай бұрын

Girl same!!!

I got myself into and out of debt (all credit card) 3 times before finally maintaining debt free for longer. It happened every 2 years. 2015, 2017 & 2019. Always give yourself grace and never stop trying to do and be better. There is light at the end of the tunnel. I paid off my 2019 debt in 2022 and going strong. I finally got it together . You can do this!!

It’s so hard because we get on the right track and start paying stuff off and can see the light at the end, but something always happens. *example- my water heater just blew up so $1000 there. My dog had an emergency 2 days later so a vet bill. It’s like life is trying to kick our butts and we REALLY want to just buy a new house and get out of the unsafe area that we’re in currently for our kids.

Girl, this has to be THE most relatable video on KZread!!! The regrets, the courage, the faith! And how you faced it all and structured your way out of it!! You're a true role model, I wish you all the best.

You have done the absolute toughest part of the journey already - facing the problem realistically and coming up with a plan. You can do this!

I wanted to give you a hug at the raw moment of realizing where you’re starting from. I had a similar moment a couple months ago after I paid off all my debt $12k on 12-31-2020... back to 15k earlier this year. I honestly can’t tell you what I bought, like at all. I felt so much shame and still do. However, I was able to get out of debt before, so I know I’m more than capable of doing it again. Lots of lessons being learned ... some I am relearning and some are new. May God bless your journey to be debt free ❤️

@pureblacbeauty

9 ай бұрын

You got this. The real tea is if you was able to get out of 12k debt. Your able to save up 12k just the same.

@rachell783

9 ай бұрын

omg appreciate your vulnerability. I’m in the same boat! Paid off over 10k debt between 2019-2021 and now I’m back to over 10k debt again. We can do this!!

I had 11 credit cards at one point and felt like I was on top of the world. I was completely delusional! I ended up having to file bankruptcy several years ago. I ended up back in credit card debt. Received 15k from a settlement last June, paid them all off. It felt great! Guess what? I’m back in credit card debt😩. I’m looking forward to paying them off again. Lord, help me! My mind has been renewed. I strive to be a good steward of God’s money! Best of luck in your (our) journey😊

@BudgetTreasures

10 ай бұрын

Thank you so. much!! It is alllll good. We got this..Best of luck to you as well on our journey! 🎉💜

@simplysean1

10 ай бұрын

This is literally my exact story! Filed for BK in 2018. Got into a little more debt, bought a house last year and now back in even more debt 🙃 We got this!

@thewanderingstarseed

10 ай бұрын

Give yourself grace. This world is expensive! ✨🤍✨

@dcg590

10 ай бұрын

Bankruptcy = everyone else paying because you’re irresponsible.

@BudgetTreasures

10 ай бұрын

@@dcg590 Please be nice 🙏🏽 You have no idea their situation to comment that. This is a safe space platform over here. Go somewhere else with that. Please 🙃

Bestie, a snack was not gonna cut it. I needed a whole meal with a glass of wine 🍷 for this video 🤣. 24:24 I guessed $30,000! I came out of college with $120,000 in debt. I had no stable job lined up but I stayed faithful to that loan with side hustles & got it paid off in 3 years. With a plan in place, you'll have it paid off by the end of this year. Don't feel down, keep your head up. You got this bestie! ❤

The credit card game takes focus. Essentially you have to treat cashack cards like debit cards. Pay it off before the due date and keep your utilization ideally under 10% on each card. Keep a list of your cards and assign each a purpose if you have more than one. Grocery and gas are common categories. If you don't jet around the world you do not need a point card or any card with an annual fee and perks you can't use or convert to cash to help pay down your balances. Good luck!

Thank you for your transparency and honesty! It’s exactly what I needed to encourage me to face my own debt and get honest with myself. I felt it deeply when you said you had to walk away and regroup and just talk to God and say “God I Trust You.” I was in tears because I know in this journey there can be a lot of shame and frustration. However, through our own vulnerability He will show up for us and allow others to also be encouraged! Thank you!

@BudgetTreasures

9 ай бұрын

This was a beautiful comment. Thank you! Be encouraged. When we put feet to the ground we make change. You are in good company Bestie 🫶🏾🤗

Thank you for being open and honest about your debt history. When I finished graduate school, I was $18K in credit card debt (a lot of the debt centered around grad school expenses) and I needed to purchase a car. I buckled down and paid off all my credit cards and bought my used car with cash ($11K) all in 1 year. I lived with my mom to save on rent during this time. It was not fun particularly being in my 20s watching my friends traveling, shopping etc. But when I sent the last credit card payment, I felt financial freedom something I had not experienced in a long time. You did it before so you can do it again. I am cheering you on so that you can experience financial freedom again. Good luck!

@eileenwatt8283

10 ай бұрын

😁😁 what you didn't know is that those friends were probably also in debt too girl. So glad you are free.

@eileeneclark9011

10 ай бұрын

9/16/23....SO GLAD YOU HAD SUCH A LOW COLLEGE/GRAD AMOUNT FROM TODAY'S "HEAVY" COLLEGE FUNDING..... TOO MANY HAVE BEEN "TRICKED" INTO YEARS + YEARS OF VARIOUS INTEREST-BASED COLLEGE BAD CHOICES... LET'S HOPE THESE BIG RICH COLLEGES GET "FORCED" TO LOWER THEIR HUGE TUITIONS + PUT THEIR MILLIONS IN ALUMNI ENDOWMENTS TOWARDS SCHOOL COSTS IN THE FUTURE...

@noeleen.

10 ай бұрын

Thank you for sharing this ❤

@Hwgt888

9 ай бұрын

You know it was the club you ran debt up at

@gymdilettante8407

9 ай бұрын

Nice job!

Your transparency was so refreshing. I literally feel you on this in so many aspects..when you you admitted you was living your best life and ignoring your budget that's when I knew we really were besties! Girl. You speaking my language and making no excuses just solutions. No beating ourselves up for the mistakes we made just accept them and keep it moving. You don't know how many heart's you have touched with this video and you just gained a new bestie boo! We are in this together !

@BudgetTreasures

10 ай бұрын

We are in this together!! Bestie!!! Now we have to live our best lives...The right way 😂. Thank you for being here and subscribing to my channel and coming along the journey with me. I appreciate you!

I calculated today that I can ve debt free in 4 years not considering any extra income or wage increases!! I'm excited and this video was super motivational

I’ve been following you for almost two years and THIS video reminds me of why I do-your honesty and transparency about how your debt started is very familiar to me and relatable. I started with a $500 credit card in college and it spiraled down from there. I was able to purchase my first home this summer but I still have personal loans, three credit cards and a car loan on top of it. Never feel embarrassed or sad about your situation. The fact that you are hitting the hammer at it now rather than later is a good thing. Your “besties” are on this journey with you. We are all on the same road…just in different cars.

@BudgetTreasures

10 ай бұрын

Thank you so much! I really appreciate your comment! I am glad that we can fix and get out of debt and it is not what I thought...LOL. We are here together!

I don’t know, if creditcards in the us works different than in Germany. But here in Germany you not only can make your payment at the end of the month,but you can put money on your card when ever you want. So I started to sit down in the evening and transfer the money I spend my that day back to my creditcard. This way I’m not accidentaly spent more than I have and there is no surprise bill at the end of the month

Don't be discouraged, we have all been there. Pay your minimum payments and once you have your emergency fund set you can concentrate on your bills

You caught my interest a few months ago when you were playing catch up with your different bills. Admitting to the debt is the first step to getting it gone. I’m rooting you on for this journey. You have a plan. You’ve been working this budget, now add the debt. Just think how nice it will be to have that extra money to be all yours. We are rooting you on bestie. ❤❤❤

@BudgetTreasures

10 ай бұрын

Thank you sooo much!!!! I appreciate YOU! Thank you for your support. I don’t know how much it helps!

I love real life stories like this! I’m the same! Paid everything off and purchased a home in 2020 and here I am in 2023 starting over! Funny thing is I tried the cc point thing and lost my mind too 😂😂

@BudgetTreasures

10 ай бұрын

Right! 😂 We seem to be twins...Thank God...If we did it once, we can do it again

I’m about to turn 30 and have so much credit card debt from trying to make ends meet! It’s seemed so daunting to tackle it, but your videos really have helped me out and my debt clearing and money saving journey!

@alwaysemilia

9 ай бұрын

You’ll do great!!

@Chloeeezyyy

9 ай бұрын

You’ve got this, babe! 😊🎉❤

@tamaraliscia3408

9 ай бұрын

Starting to tackle your debt is your 30th birthday gift to yourself, and a good one. Really! You'll thank yourself later. Keep your focus on paying them off and keep track of balances and payments. Work either a debt snowball... smallest balance to largest, or list and monthly pay based on interest rate. Snowball gives you a more immediate charge but both work. You can do it!

@gymdilettante8407

9 ай бұрын

Call the credit card companies and ask for a lower interest rate in exchange for freezing the cards so you can't use them. This way you won't accrue as much interest

12 mins in and loving your personal accountability. You don’t hear that often enough!!! So many people blame lenders. You get it.

My debt started with college. I never had a credit card up until last year (I paid that mug off though), but those loans are unforgiving! I’m almost done paying off my grad loan, but it’s the undergrad that makes me want to run outside booty naked.

Thank you for being so open and talking about your plan. I'm currently roughly 14k in the hole. Spread out between credit cards and dental bills. I'm grateful that I am doing this and getting rid of it while I'm without kids, but we still are a single income household due to my fiancé's intense college program (unpaid internships are a scam). I have already paid off 7k since the beginning of this year and I hope to be completely free by next year. I know we can do this, it's just so hard. I'm praying for the girlies who are doing this as single parents; y'all are strong and I believe in you.

OMG you are sooo transparent! This is going to help many. Remember you didn’t get into debt overnight so it will take you some time to get out. Just keep working the plan. BTW I want a physical copy of the workbook 💵

@BudgetTreasures

10 ай бұрын

Thank you! You are right! Thank you for letting me know...I am going to really consider a physical copy.

Hello, I’m new to your channel! My name is Kirsten, I’m glad I finally found somebody who is real and not fake.

Having a hight credit score is great, but most people don’t know that banks also look at your debt to income ratio. I’ve work for a financial institution for years, and the majority of people I came across have no idea that If your debt to income is above a 50%, you won’t qualify for a loan even though you have a decent credit score

Girl I hope you realize how inspiring this is! I’m also in so much debt that I’m embarrassed to say it out loud, I got carried away with credit cards too and didn’t know how to budget properly. I have now started to budget and I’m making a plan to pay it off. This is so inspiring to me because paying debt is not easy when you still need to pay your other bills. I love how you have a plan. Usually all the other budgeting channels i see, they always show the rainbows and sunshine of cash stuffing but rarely do I find real channels like yours where they show real people have debt! I thank God I found your channel and this video because Lord knows I needed it! I’m encouraged thanks to you and your honesty, Praying we both are debt free in Jesus Name! ❤

@missyelle2749

10 ай бұрын

Don’t be embarrassed rather, get encouraged and tackle it one obligation at a time. These debts will not follow us once we have taken our final breath so don’t allow it to control your present life. You may find that sharing it will help release the embarrassment and keep you inspired to stay focused! You will be successful 🎉

@laminage

10 ай бұрын

The fact that you admitted you are in ``debt`` makes you a real heroine. You are in the same boat that alot of folks are in. Covid did a number on alot of folks finances. Also sometimes little things we do can add up. Two For Tuesday Meals, Coffee Shops and buying things on Amazon. That can really affect you. You will get out of it. You are at least trying. On Caleb Hammer`s Channel, there are folks who don`t realize how small things can affect them.

@rosaking8488

10 ай бұрын

You got this! Good luck! 👍🏻

@BudgetTreasures

10 ай бұрын

Awee! Thank you! I appreciate your comment. Yes, it is pretty real..LOL. I am glad that you found my channel as well. It is so good to be amongst people who are dealing with the same struggles 💜

@BudgetTreasures

10 ай бұрын

@@missyelle2749 Thank you!!

My suggestion is instead of a monthly credit score. Move that to quarterly but on the monthly portion you should use to keep track of your net worth? Which I think would be a lot more helpful and motivating. When you see from month to month, your negative net balance # is going lower. Which is a good thing!

Please don't forget to put something towards your mortgage principal. Met a lady who lost her house after 28 years due to divorce. She told me if she had just paid $10 a month towards the principal the house would have been paid off and she wouldn't have lost it. New subscriber

I put myself back into debt this year after paying after off. I’m embarrassed but I also just started my budget /cashing stuffing journey. & I know it’s going to help me get a better relationship with money and pay off everything once and for all . Thank you for this video ☺️

@BudgetTreasures

10 ай бұрын

Thank you for being here!!!

@user56gghtf

10 ай бұрын

There are no mistakes in life, only lessons. There is no such thing as a negative experience, only opportunities to grow, learn and advance along the road of selfmastery. From struggle comes strength. Even pain can be a wonderful teacher. - Robin Sharma

@JocelynAnnmarie

10 ай бұрын

@@user56gghtf I love this!! Thank you for your reply! ☺️ I hope you have a wonderful day!

@user56gghtf

10 ай бұрын

@@JocelynAnnmarie You're welcome. I hope you have a good rest of your week. 💕

@johnkelly9451

9 ай бұрын

​​​​​@@user56gghtfAmen. Our Uncle use to say about our mistakes... But did you learn anything? (met with blank stares)...years later we get it...so...it took awhile to understand our past doesn't have to equal our future but what we choose to do today for tomorrow little by little, just get the snowball rolling... but always learning, sometimes the hard way... sometimes because we lucked out on a trying good decision and it really worked, it felt too great...❤

Im proof being debt free can happen. It takes dedication, patience, resourcefulness and a positive attitude. You CAN do it!!

THANK YOU for speaking on these darn points. The discipline to not mess it up/get sidetracked is hard. It’s so easy to fall off the path.

Mannnn, I'm glad you're soooo transparent. I've wanted to start a Debt Free Journey channel, but my shame has gotten the best of me. Thank you for normalizing that it's okay to restart!!! We support you❤❤❤

@BudgetTreasures

10 ай бұрын

Thank you so much! Yes try your best to never be ashamed....Especially when you are doing your best!

Just followed today, and my first video of yours. Thank you so much for being so transparent!! I feel less alone from this video

I'm so lonely watching my friends enjoy their life while i try to pay things off but we gotta hang in there.

Might be a good idea to check what $ amount you pay for interest per month also. Those minimum payments won’t fully come off the principal. Helps with calculating time it will take to pay off

@celiaphillips2107

10 ай бұрын

You’re already on the path 🙏 you got this

New subscriber here! I love honest budgeters who doesn’t act like their finances is perfect!

@mrspgrew

10 ай бұрын

Yes! I hate following budgeters that have stacks and stacks of 100s to put in envelopes, while telling us what to do with our $20 bills 🤔

@BudgetTreasures

10 ай бұрын

Thank you so much for subscribing and being here!!

God bless you! I appreciate you sharing this with us, with me. Your video was right on time, I see and hear ME when I see you. We are just about in the same boat. I’m grateful for your channel and it will be a new tool in my journey to get debt free. 🙏🏾🙏🏾🙏🏾

I just found your channel with this video and I love it. When you wrote that you’re tired of a million bills I felt that sooooo much. I’m almost double on the debt (car included). I recently decided on a bills and spending account separation to hopefully get control of my spending. I’m also trying to track my spending.

I literally watch your videos like every time you upload and I love your transparency. I love how relatable your journey is and I want to encourage you to keep going!! I will definitely be purchasing your budget book and I’m so proud of you. All love from Louisiana!!!

@BudgetTreasures

10 ай бұрын

Thank you sooo much Chelsea! I appreciate you and your support! 💜

We all fall back occasionally. You can do this! Thanks for sharing with us!

I just found your channel from the algorithm, and I already enjoy it so much. You’re so honest and genuine. Looking forward to enjoying more of your content!

@BudgetTreasures

9 ай бұрын

Thank you so much for clicking on the video 🩷 I appreciate you

Being so transparent is really helpful

Girl make sure the 401k loans are paid off because God forbid you lose your job the money is due within 30 days 😫

@argrena

10 ай бұрын

What are the 401k loans exactly? I've read online that this is a loan someone can take out from the own retirement fund or so? Is that correct? So it's your own money you borrow? If these need to be paid back within 30 days --> that's actually a killer 😵‍💫😵‍💫😵‍💫

*Thank you for being transparent. I'm so inspired to also confront my own, and do what I have to do.*

Thank you for being vulnerable. I found it very encouraging for my own journey. 🙏🏽

I am so glad I stumbled upon your page when I did a while back. Your willingness to share your most personal struggles with real life budgeting separates you from others. Thank you and best of luck on your payoff journey!

@BudgetTreasures

10 ай бұрын

Thank you so much!!

That is so REAL!!!! Thank you for sharing that. Most KZreadrs don't share the down parts and that's what really encourages some. You got this!!!

@BudgetTreasures

10 ай бұрын

Thank you!

Thank you once again sharing your Journey with us ❤

Hey Jazmin! Thank you so much for being brave and vulnerable in sharing your story about your debt. It takes courage to open up about such personal struggles, and I admire you for that. Your video will undoubtedly inspire and help many others who may be going through similar situations. Remember, you're not alone in this journey, and by sharing your experiences, you're creating a supportive community where people can find solace and guidance. Keep shining your light, and I wish you all the best in overcoming your challenges. You're making a difference! 💪🌟

@BudgetTreasures

10 ай бұрын

Thank you so much! Your comment means a lot and it is encouragement to me! Thank you!!💜

Thank you for your honesty, transparency and sharing your journey with us. When you was talking all I can hear is myself saying the same things 😂 because I honestly said those exact same words is the reason I’m in Debt now, but looking to make a change for the better and finally be able to buy a house. Lord knows you came in at the right time ❤I pray magnify your finances to align with his will.

Thank you for being honest! We appreciate you.

Thank you sis for being so transparent in hopes of helping other while you help yourself. How self-less of you. You are amazing!

New subbie here. I really appreciate you being so candid. I really felt how down you got writing it all out. I'm 6 months in trying to pay off my debt. Things keep coming up that set me back, but each time I immediately get back on track.

@BudgetTreasures

10 ай бұрын

Thank you so much for subscribing and being here. I’m glad that we’re doing this together. Congrats on being 6 months in! Whew. I can’t wait to be 6 months in 🙌🏼

I use credit cards for everything to get the cash back. I keep an updated apple notes balance with interest rate highest to lowest and balance. I cross it off after it’s paid and if I use the card. I add it back. Then I add my installment loans from highest interest to lowest interest. This simple method has helped me a ton. Then I schedule all payments before my paycheck hits. 😊

Your video popped up in my news feed…like I needed to hear some real info and be assured I am not alone. I’m my own worst enemy when it comes to paying off debt. Thanks for the video.

Thanks so much for your honesty and bravery in sharing this! I’m sure you can do it and super happy to see you’re taking the first step. Remember to put any money from windfalls you get into this plan as well for faster payoffs. Also I love the idea of keeping an emergency fund for the future so hopefully you can turn to that and would never need to take out another 401k loan. Also although this lesson is painful at least you learned something about the credit card points game- it only works when you pay things off on time and in full every time. Best of luck!!

Kudos to you for being so transparent! You are helping so many people (myself included). Blessings 🙏🙏

I'm right there with you on the total debt. I've created a plan via an excel spreadsheet. Pretty sure I will have some ups and downs along the way as I am expecting in a few months but I am looking forward to coming out of this as well and will be here along the way with you to keep motivated! Thanks for being transparent with us!

@BudgetTreasures

10 ай бұрын

Aweee!! Congratulations 🎉 on your new bundle of joy! You will be busy soon! Thank you for being here!

I love how transparent you are with us❤

@BudgetTreasures

10 ай бұрын

Thank you. It’s tough and not easy but I will always do it if it helps.

Thank you for sharing, it is so painful when you look at you debt total but it's what you need to give you the motivation to keep going. I did mine in June and will reevaluate in January to see if I made a dent....lol

Definitely subscribed. Your honesty in your own shortcomings make you more "real" and like someone who has been there done that and is honest about it.

Thanks for being so upfront and honest. You are going a great job

Following your journey from The Bahamas. I am absolutely rooting for you! I've watched you budget and save to get your house so I know your capabilities. Yes the actually numbers are scary, but you've got this! Stay encourage and I'm rooting for that six months payoff time frame! God gat you Jasmine!!!❤❤❤

@BudgetTreasures

9 ай бұрын

Thank you so much for riding with me! You are an OG! All the way from the Bahamas ☺️.

Thank you for being real 🎉 here cheering you on 🎉

@BudgetTreasures

10 ай бұрын

Thank you!!

The phrase is officially getting into the black. Great job!❤🎉😊

Thank you for your transparency. Going through this now

Hey girl! Thank you for your transparency and vulnerability. ❤ I'm really excited I found you! I do watch a couple others but I can already see some things unique for your channel... In a great way! Impressive resources and thoughts...

Now see this is why you my girl! Transparency hits 💯. I am working on my debt plan as well and it’s kind of nerve racking. This video was awesome and keep up the good work and let’s get this debt paid off!!

@BudgetTreasures

10 ай бұрын

Thank you so much! Yesss Bestie!!! Let's do this!!

👏🏾👏🏾👏🏾👏🏾For being so brave and transparent

@BudgetTreasures

10 ай бұрын

Thank you for your support 🫶🏾

Goodness, I don’t even know where to begin but thank you sooo much for being as transparent as you have been. I felt that when you said that you’re putting your trust in the Lord because man ! I’m really having a hard time looking at my debt as well. I’m up at 4am scrolling and came across your video and bought the debt free workbook immediately!!! Thank you so much for the transparency. I’m praying that God continues to guide you through this journey so that you can continue to encourage others by being an example. ❤

Thank you so much for being transparent. It's hard for me to manage credit card debit. I understand your struggle. Keeping a budget and watching your spending

Hi, I’m a new scriber. Thank you for being so transparent. I just purchased your Debt free journal book. I’m gonna get started on my journey today. I think this will help me get back on track and help me prioritize. Thank you ❤

Can I just tell you how amazing and strong you are?!?! I have been here for years following your journey and your content is absolutely amazing! I love how real life you are with us. And I love seeing you grow from your lows in life. When you said the balance of your debt all I could do was cheer you on.. literally talking to you as if you can hear me on my way to work this morning 😂. It is so hard to see the actual numbers at first but I know you can definitely do this!! I have some debt myself that I am working on to pay off so this is just awesome to have you working on yours... it's like we're working together lol! I am excited to see you come on the other side of this no matter what time it takes to get there. That doesn't matter. What matters is that you have a plan and a purpose! ❤️❤️🙏🏾🙏🏾

@BudgetTreasures

10 ай бұрын

I just pictured you in your car 😂 Thank you soooo much! I really appreciate your support. Yes you have been here for a while! I have definitely had. some ups and downs...❤ Thank you for being loyal!

Your honesty is sooo refreshing. Tons of us are in your same position. Your videos always inspire me to try and take care of my debt too! Keep at it!!! Side hustle for the win. I’m binge watching all your videos so you get that KZread $$ and I get all that free inspiration!!! 😂😂❤❤😊😊

@BudgetTreasures

10 ай бұрын

Awe! Thank you so much for your support 🩷 I promise to continue sharing!

Thank you for this. Helping me figure out how to handle a difficult time financially.

You took the first step. It will only get better from here. You got this❤

@BudgetTreasures

10 ай бұрын

I am in agreement 🙏🏽

You got this girl!!!! You will pay this debt off!. Keep your head up🙏

@BudgetTreasures

10 ай бұрын

Thank you so much!!

I am so happy your channel was recommended to me! I'm on the same path trying to do the Dave Ramsey method, but YOU make it easier to understand and give step by steps. You're awesome!

@crystalwalk6920

10 ай бұрын

Also, I would love a physical version of this book you're writing in! I'm a hands on person and it'll keep me more focused and on track.

I appreciate you transparency ❤

I need to get out of debt. I have excellent credit and not behind on anything I just have over $25,000 in credit card and loan debt. I don’t want to not pay the bills or file bankruptcy and ruin my credit. How it’s it possible when I barely have $300 to last a month after paying bills and the minimum on credit cards. We can’t survive on $300 so we keep using the credit cards it’s never ending.

Thank you for talking about it… all of it. Thank you 💛

You are so brave and awesome for sharing your journey with us! You've got this beauty!!! 💛🙌🏾

I love that you’re being transparent with us! I have a lot of debt I’m working towards that has been sent to collections because of a past relationship I was in. Unfortunately that relationship was my children’s father. Next year I’m knocking it out! I’m slowly working on it this year but I’m hoping to have most of my debt paid off by next year at the very latest. Minus my student loans.

@BudgetTreasures

10 ай бұрын

You can do it! I am cheering you on! I believe that you will get it done and paid off!

I love these debt worksheets ❤

@BudgetTreasures

10 ай бұрын

Thank you!